VERSTIE
ActiveVERSTIE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €-9k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 87% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-35
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 6.2 against 4.04 in 2024), and 17.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.9%
Return on assets
-5.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-09-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
3 d early
2023
5 d early
2022
3 d early
2021
4 d early
2020
5 d early
2019
27 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€149k▼ 5.8%
2024 · €158k
2019: €85k
2020: €94k
2021: €118k
2022: €143k
2023: €174k
2024: €158k
2019 → 2025
Total assets
€180k▼ 12.4%
2024 · €205k
2019: €104k
2020: €125k
2021: €131k
2022: €168k
2023: €218k
2024: €205k
2019 → 2025
Net result
€-9k
2024 · €11k
2019: €12k
2020: €9k
2021: €24k
2022: €25k
2023: €31k
2024: €11k
2019 → 2025
Working capital
€142k▼ 0.6%
2024 · €142k
2019: €85k
2020: €97k
2021: €111k
2022: €139k
2023: €154k
2024: €142k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€143k▲ 21.2%€174k▲ 21.6%€158k▼ 9.2%€149k▼ 5.8%
Operating result€31k-€31k▲ 0.6%€40k▲ 30.2%€13k▼ 67.2%€-12k
Net result€24k-€25k▲ 5.5%€31k▲ 23.3%€11k▼ 64.2%€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €13k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€11k▼ 31.2%
Current assets
€169k▼ 10.8%
Equity and liabilities €180k
Equity
€149k▼ 5.8%
Debt
€31k▼ 34.6%
The debt ratio falls from 22.9% to 17.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-7k▼
2024 · €18k
Cash flow
€-4k▼
2024 · €16k
Solvency
82.9%▲
2024 · 77.1%
Current ratio
6.20▲
2024 · 4.04
Quick ratio
5.99▲
2024 · 4.04
Debt / equity
0.21▼
2024 · 0.30
ROE
-6.1%▼
2024 · 7.0%
ROA
-5.1%▼
2024 · 5.4%
Interest coverage
-20.38▼
2024 · 985.70
Debt
€31k▼
2024 · €47k
Debt ≤ 1 year
€27k▼
2024 · €47k
Income taxes
€0▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€205k€180k▼
Fixed assets21/28€16k€11k▼
Tangible fixed assets22/27€16k€11k▼
Land and buildings22€1k€735▼
Furniture and vehicles24€14k€10k▼
Current assets29/58€189k€169k▼
Stocks and contracts in progress3-€6k
Stocks30/36-€6k
Amounts receivable within one year40/41€33k€40k▲
Trade receivables40€27k€34k▲
Other amounts receivable41€6k€5k▼
Cash at bank and in hand54/58€154k€121k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€205k€180k▼
Equity10/15€158k€149k▼
Contributions10/11€6k€6k=
Reserves13€152k€146k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€152k€146k▼
Profit (loss) carried forward14€0€-3k▼
Amounts payable17/49€47k€31k▼
Amounts payable within one year42/48€47k€27k▼
Trade debts44€11k€12k▲
Suppliers440/4€11k€12k▲
Taxes, remuneration and social security45€0€4k▲
Taxes450/3€0€4k▲
Other amounts payable47/48€36k€11k▼
Accrued charges and deferred income492/3€121€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€709€750▲
Gross operating margin9900€19k€-6k▼
Operating profit (loss)9901€13k€-12k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€18€328▲
Recurring financial charges65€18€328▲
Profit (loss) for the period before taxes9903€16k€-9k▼
Income taxes67/77€5k€0▼
Profit (loss) for the period9904€11k€-9k▼
Profit (loss) for the period to be appropriated9905€11k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€-9k▼
Profit (loss) brought forward from the previous period14P€2k€0▼
Transfer from equity791/2-€6k
Transfer to equity691/2€13k€0▼
To other reserves6921€13k€0▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-9k ▼183%
Net result drops to €-9k, the lowest in the series.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €31k ▲23.3%
Operating result €40k, net result €31k, both a record.
31-03
Financial
Equity above €150kEq €174k ▲21.6%
5 profitable years in a row build equity to €174k.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €100kEq €118k ▲25.1%
3 profitable years in a row build equity to €118k.
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
04-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Dilsen-Stokkem · 1 establishment unit since 2008
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Pastoorstraat 143650 Dilsen-StokkemGround area
1,813 m²
Building footprint
212 m²
Volume, LiDAR
797 m³
Parcel 72032A0903/00D000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
VERSTIE
since 20082.170.636.702
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72032A0903/00D000 | Flanders | 1,813 m² | 1 · 211 m² | 7.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
JOLY CONSTRUCT
BE 0722.772.338
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YOSHI DE SMEDT
BE 0781.751.308
Londerzeel · Eq €149k
NICO CLAEYS
BE 0889.117.143
Maldegem · Eq €149k
RENOVATIEWERKEN NICKY & FLORENCE
BE 0817.070.392
Hasselt · Eq €149k
VANHOUTTEGHEM
BE 0471.497.796
Zedelgem · Eq €149k
Of 15,430 companies in sector 43990 we hold annual accounts for 7,352. 6,007 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-2008
Fiscal year end31-03
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
23610Manufacture of other non-metallic mineral products
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.